Manulife Securities On-Line Customer Portal Terms and Conditions

By accessing the Manulife Securities on-line customer portal site (the "Site"), you acknowledge these terms and conditions and agree to be bound by them. If you do not agree to these terms and conditions, please do not access the Site. We reserve the right, in our sole discretion, to modify, alter or otherwise update these terms and conditions at any time and you agree to be bound by such modifications, alterations or updates. The terms "Manulife Securities" and "we" refer collectively to Manulife Securities Incorporated. (“MSI”), Manulife Securities Investments Services Inc. (“MSISI”) and Manulife Securities Insurance Inc. (“MSII”), unless otherwise indicated. The information contained in the Site is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its representatives are not appropriately licensed or registered or where any product or service is not eligible for sale.

1. Content of the Site:

This Site provides information on the products and services you have with Manulife Securities. All products, services and information provided on this Site are subject to the terms of the applicable agreement(s) and privacy policies governing their use. These products and services are available in Canada and only in those other jurisdictions where they may be legally offered. This Site does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.

2. Copyright:

Information on this Site, including but not limited to text, graphics, images, downloadable content, and links to other internet resources, (the "Site Information") is protected under the copyright laws of Canada and other countries. Certain items of the Site Information may be the copyright of other third parties. Unless otherwise specified, the Site Information may not be copied, displayed, communicated, distributed, reproduced or republished, in any form, without advance express written consent.

3. Information on Site is General Only:

The Site Information is general only. It is not intended as specific investment, financial, legal or tax advice and you should not rely on it as such. The Site Information does not constitute the official version of Manulife Securities' disclosure documents (where applicable) and may not always be the most current. We may change the Site Information at any time.

4. Information Provided "As Is":

This Site and the Site Information is provided "as is". Manulife Securities does not warrant the accuracy, adequacy, timeliness, or completeness of the Site or Site Information, and disclaims liability for any error or omissions. No warranty or condition of any kind (implied, express or statutory) is given in the Site or Site Information.

5. No Liability for Use of Site:

Manulife Securities will not be liable for any damages, losses or expenses (including direct, indirect, special, incidental, consequential or punitive damages) arising from the use or inability to use this Site or the Site Information, or an error, omission, interruption, defect, delay, computer virus, system failure, loss of date or otherwise, even if Manulife Securities or its representatives are advised of the possibility of such damages or losses. 

6. Security of Login Information:

You are solely responsible for maintaining the security of your user id and password and ensuring that you are the only person using them. You agree to not disclose your user id and password to any other person. Manulife Securities is not responsible for the unauthorized use of the Site by any other person. You agree to notify us immediately upon becoming aware of any unauthorized or suspected unauthorized use of your user id and/or password.

7. Hyperlinks & Non-Manulife Securities Sites:

Hyperlinks to other internet resources or websites are used at your own risk. Manulife Securities makes no representations whatsoever about other web sites which you may access through this Site. Non-Manulife Securities websites are not subject to our privacy policy or security standards. Links to non-Manulife Securities websites do not mean that Manulife Securities endorses or accepts any responsibility for such websites or their content.

8. Forward-Looking Statements:

From time to time, we make written or oral forward-looking statements within the meaning of certain securities laws, including in this Site, in filings with securities regulators and in other communications. These statements include, but are not limited to, statements we make about our operations, business lines, financial condition, risk management, priorities, targets, ongoing objectives, strategies and outlook. Forward-looking statements are typically identified by the words "believe," "expect," "anticipate," "intend," "estimate" and other similar expressions or future or conditional verbs such as "will," "should," "would" and "could." By their nature, these statements require us to make assumptions and are subject to inherent risks and uncertainties that may be general or specific. A variety of factors, many of which are beyond our control, affect our operations, performance and results and those of our business lines, and could cause actual results to differ materially from the expectations expressed in any of our forward-looking statements. You should not place undue reliance on our forward-looking statements. We do not undertake to update any forward-looking statement that is contained in this Site or in other communications. 

9. Applicable Law:

Except where prohibited by the laws of your jurisdiction, this Site will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Manulife Securities Important Information

This material has been prepared to provide information on the products and services offered through your Manulife Securities Incorporated (MSI), Manulife Securities Investment Services Inc. (MSISI) and/or Manulife Securities Insurance Inc. (MSII) Advisor (which in the case of MSII, may include information provided to us by third parties on the products and services offered to you by those providers).

Manulife Securities is a Trade Name used by the related companies MSI (an Investment dealer) and MSISI (mutual fund dealer) and Manulife Securities Insurance Inc. (an insurance distributor operating as a national account agency). 

Manulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which 100% is owned by the Manulife Financial Corporation a publicly traded company. Details regarding all affiliated companies of MLI are provide in the Important Client Information Brochure found on the Manulife Securities website www.manulifesecurities.ca.

Stocks, bonds and mutual fund products and services offered through MSI, Manulife Securities Incorporated is a Member of the Canadian Investor Protection Fund and a Member of the Investment Industry Regulatory Organization of Canada. To learn more about CIPF, please contact your advisor or visit www.cipf.ca

Mutual fund products and services offered through MSISI, Manulife Securities Investment Services Inc. is a Member of the Mutual Fund Dealers Association of Canada and the MFDA Investment Protection Corporation (excluding Quebec). To learn more about the MFDA Investment Protection Corporation, please contact your advisor or visit the MFDA’s website at www.mfda.ca

Insurance products and services unless otherwise noted by your Advisor are offered through Manulife Securities Insurance Inc. (in the province of BC operating as Manulife Securities Insurance Agency)

Introducing/ Carrying Dealer Arrangement

Where applicable, MSI and/or MSISI and B2B Bank Securities Services Inc. have entered an introducing/carrying dealer arrangement. 

As the introducing dealer, MSI and/or MSISI is responsible for, among other things, facilitating the deposit and withdrawal of cash for your account carried by B2B Bank Securities Services Inc. As the carrying dealer, B2B Bank Securities Services Inc. is responsible for, among other things, custody of your cash and securities and issuing account statements. You will receive an account statement from B2B Bank Securities Services Inc. showing the transaction activity and the cash and investments that you hold in your account carried by B2B Bank Securities Services Inc. For more information about the introducing/carrying dealer arrangement, please see your B2B Bank Securities Services Inc. account statement.

Client Name Account

Where applicable, this Site shows the investments you hold in your client name account(s) and the cash balance and cash transactions in your MSI, MSISI and/or MSII account. Investments in your client name account(s) are registered in your name with the fund company.

Securities held in client name are not covered by the Canadian Investor Protection Fund (“CIPF”). The cash balance in your MSI and/or MSISI account(s) is protected by CIPF within specific limits. A brochure describing the nature and limits of the CIPF coverage is available upon request.

Please confirm with your Advisor which company you are dealing with for each of your products and services.